TriaTria
67
Side-by-side card comparison
Tria vs Solayer Pay: fees, rewards and account setup
Tria Card has the higher Overall Score by 12 points (67 vs 55). Tria Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Solayer Pay Card may still be the better personal fit.
Information checked Aug 25, 202646 official sources reviewed
01 · Make the first cut
Tria Card is the better all-round starting point
Tria Card has the higher Overall Score in this comparison. Solayer Pay Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallTria67Solayer Pay55Higher score
CashbackTria45Solayer Pay20Higher score
TravelTria62Solayer Pay53Higher score
Funds controlTria91Solayer Pay47Higher score
Lowest feesTria51Solayer Pay43Higher score
TransfersTria63Solayer Pay29Higher score
Choose Tria Card if cashback and travel matter most
Tria Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet linked to card spend
- Physical, virtual and phone-wallet access
- Higher tiers raise caps and perks
Choose Solayer Pay Card if its day-to-day setup suits you
Solayer Pay Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Tria67Solayer Pay55
Tria Card has the higher Overall Score by 12 points.
- Entry cost & FX
- Tria$25/year plan · 0–3% FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
Solayer Pay Card has the lower starting plan cost ($20/year vs $25/year).
- Purchase rewards
- Tria1.5% base · up to 6%Solayer Pay0% base
Tria Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- TriaSelf-controlled walletSolayer PayCustodial balance
Tria Card uses a self-controlled wallet setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- TriaVirtual + Physical · Apple Pay, Google PaySolayer PayVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tria2 stablecoins · Stablecoin transfersSolayer Pay1 stablecoin · Not modeled
Tria Card lists more stablecoins and ways to send money out (3 vs 1).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 1.5%-6%
- Plan cost
- $25/year
- FX fee
- 0–3%
- ATM fee
- Up to $2 + 3%; inquiry/decline up to $2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 0 fiat
- Payout methods
- 5 crypto · 0 fiat
- Cashback
- 0% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsTria CardOverall67Solayer Pay CardOverall55
Tria CardOverall67Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Tria Card67Solayer Pay Card55
- Cashback score
- Tria Card45Solayer Pay Card20
- Travel score
- Tria Card62Solayer Pay Card53
- Funds control score
- Tria Card91Solayer Pay Card47
- Lowest fees score
- Tria Card51Solayer Pay Card43
- Transfers score
- Tria Card63Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- Tria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet accessSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- Tria CardEntry tier is paid, Funding and FX use separate fee layersSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- Tria Card$25/yearSolayer Pay Card$20/year
- FX fee
- Tria Card0–3%Solayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- Tria Card1%Solayer Pay Card1%
- Card spending fee
- Tria CardNot disclosedSolayer Pay Card$0.15
- ATM fee
- Tria CardUp to $2 + 3%; inquiry/decline up to $2Solayer Pay CardNot disclosed
- Virtual card
- Tria Card$25/year Virtual membership; issued after payment and KYCSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- Tria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gatedSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Tria Card3 plans: Virtual, Signature, PremiumSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Tria CardPremium: 6%Solayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Tria CardVisaSolayer Pay CardVisa
- Card formats
- Tria CardVirtual, PhysicalSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Tria CardAvailableSolayer Pay CardAvailable
- Mobile wallets
- Tria CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- Tria CardiOS, Android, WebSolayer Pay CardiOS, Android
- Daily spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/daySolayer Pay CardShown in app
- Monthly spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/daySolayer Pay CardShown in app
- ATM limit
- Tria Card$750/withdrawal; 3 withdrawals/24hSolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Tria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2Solayer Pay CardSolana
- Crypto deposits
- Tria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOLSolayer Pay CardStablecoins: USDC
- Fiat deposits
- Tria CardNot disclosedSolayer Pay CardNot disclosed
- Transfers
- Tria CardStablecoin transfersSolayer Pay CardNot disclosed
- Payout currencies
- Tria CardNot disclosedSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Tria Card1.5%Solayer Pay Card0%
- Max cashback
- Tria Card6%Solayer Pay CardNot disclosed
- Reward currency
- Tria CardUSDC and/or USDT stablecoins cashbackSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- Tria CardUp to 15% APYSolayer Pay CardUp to 3.5% APY
- How it works
- Tria CardOptional earn vaultSolayer Pay CardEarn on spending balance
- Separate deposit
- Tria CardNot disclosedSolayer Pay CardNo
- Use balance for spending
- Tria CardNot disclosedSolayer Pay CardYes
- Lock-up
- Tria CardNoSolayer Pay CardNo
Trust & availability
5 fields- Custody
- Tria CardSelf-custodySolayer Pay CardCustodial
- Control until payment
- Tria CardYou keep controlSolayer Pay CardProvider controls funds
- Card issuer
- Tria CardNimbus, LLC, Third NationalSolayer Pay CardThird National
- Identity verification
- Tria CardNot disclosedSolayer Pay CardSumsub
- Programme operator
- Tria CardThreely Dimensions Inc.Solayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- Tria Card21Solayer Pay Card25
- Last reviewed
- Tria CardAug 25, 2026Solayer Pay CardAug 12, 2026
04 · The takeaway
Tria Card is the stronger all-round choice
Tria Card finishes ahead with an Overall Score of 67 versus 55 for Solayer Pay Card. Solayer Pay Card has the lower starting plan cost ($20/year vs $25/year). Tria Card has the higher published base cashback rate (1.5% vs 0%).
Solayer Pay Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Tria Card uses a self-controlled wallet setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Tria Card lists more stablecoins and ways to send money out (3 vs 1). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Tria Card and Solayer Pay Card reviews first.
Continue with
Tria Card
Continue with
Solayer Pay Card
05 · Common questions
Tria vs Solayer Pay FAQ
Is Tria or Solayer Pay better overall?
Tria Card has the higher Overall Score (67 vs 55). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Tria or Solayer Pay?
Solayer Pay Card has the lower starting plan cost ($20/year vs $25/year). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Tria or Solayer Pay?
Tria Card has the higher published base cashback rate (1.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Tria and Solayer Pay differ on custody?
Tria Card uses a self-controlled wallet setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Tria vs Solayer Pay comparison?
The latest information check for these two cards was August 25, 2026, using 46 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.